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Business Insurance for Food Wholesalers
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Why do food and beverage wholesalers need insurance?
Buying, storing, and selling food and beverages in bulk involves unique risks. A fire or power outage could destroy your inventory and provide a major setback to a small wholesaler. Business insurance kicks in when disaster strikes, so you can recover from lawsuits, property damage, and theft.
Save money with Insureon
Insureon helps food wholesalers save money by comparing quotes for policies that match their risks. Fill out Insureon's easy online application to get started.
What types of insurance do food and beverage wholesalers need?
These insurance policies cover common risks faced by food distributors.
General liability insurance
Commercial general liability insurance covers basic risks, such as customer property damage and injuries. Bundle with commercial property insurance for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for food distribution businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical costs
- Partial missed wages
- Employee bodily injury lawsuits
Business owner’s policy
A BOP bundles general liability insurance with commercial property coverage in one plan. It's often the most cost-effective small business insurance for food and beverage wholesalers.
BEST FOR
- Customer injuries
- Inventory damage or theft
- Business interruption incidents
Commercial umbrella insurance
Commercial umbrella insurance boosts the liability coverage on your general liability insurance, commercial auto insurance, and employer’s liability insurance policies.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Business auto insurance for food and beverage wholesalers can pay for property damage and injuries in an accident. It can also cover vehicle theft and vandalism.
BEST FOR
- Vehicle accidents
- Vandalism and theft
- Weather damage
Cyber liability insurance
A cyber liability policy helps food wholesalers recover from data breaches and cyberattacks. It's recommended for any business that stores credit card numbers or other sensitive data.
BEST FOR
- Customer notification costs
- Credit monitoring services
- Data breach investigations
Looking for different coverage? See more policies.
How much does insurance cost for wholesalers?
Several factors will have an impact on insurance costs, including:
- Food products and services offered
- Business equipment and property
- Business income
- Location
- Number of employees
How do I get food and beverage wholesaler insurance?
It's easy to get business insurance and surety bonds for food and beverage wholesalers if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your wholesale food and beverage business, whether you work independently or hire employees.
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